Value plans are health plans that offer lower deductibles and useful coverage for more health care services before your deductible is met. Value plans are designed to lower your out-of-pocket costs for the health care services the majority of people use most frequently.
Bronze plans include up to three visits to primary care physicians before deductible. Gold and silver plans offer unlimited physician visits and generic drugs before deductible.
All value plans are required to cover core benefits with a copay before you meet your deductible and preventive services for free. Plus, depending on the value plan you choose, some services are available before paying your deductible. Some require only a copay, even if you haven’t met your deductible.